服装加工是一个季节性特别明显的行业,从事这一行的李小姐体会尤为深刻。今年,李小姐意外接到了一单服装加工生意,由于对方的时间要求紧,利润比平常高出30%,所需资金也翻了近一番,考虑到银行的贷款手续繁琐,周期也不灵活,李小姐把目光放到了“三个工作日即可完成”的民间借贷公司,通过民间借贷,李小姐顺利地借到了25万元的款项,解了燃眉之急。去年年底以来,央行实行宏观调控政策,导致银行贷款额度缩减,让原本很难从银行获得贷款的中小企业更是雪上加霜。有关部门统计的数据显示,青岛市中小企业贷款增幅远远低于全市企业贷款增幅,中小企业融资在难得银行贷款和大风险投资机构青睐的情况下,纷纷另寻他路,民间融资成为他们最好的“婴儿奶粉”。 Garment processing is a particularly seasonal industry, the experience of Miss Li in this line is particularly profound. This year, Miss Lee accidentally received a single garment processing business, due to the timing of the other party tight, profits higher than usual 30%, the required funds also doubled, taking into account the bank’s loan procedures cumbersome, the cycle is not flexible , Miss Li put her eyes on the “three working days to complete,” the private lending companies, through private lending, Miss Lee successfully borrowed 250,000 yuan of payment, the solution to the pressing needs. Since the end of last year, the central bank’s macroeconomic control policy has led to the reduction of bank lending quotas, making it even harder for SMEs who had difficulty obtaining loans from banks. Relevant statistics show that the growth rate of SME loans in Qingdao is far lower than the city’s corporate loans growth, SME financing in the rare cases of bank loans and large-scale venture capital agencies favor, find another way, private financing to become their most Good “baby milk powder”.